{"id":11431,"date":"2025-09-23T05:01:14","date_gmt":"2025-09-23T05:01:14","guid":{"rendered":"https:\/\/youset.ca\/?p=11431"},"modified":"2026-03-17T18:21:55","modified_gmt":"2026-03-17T18:21:55","slug":"protection-pour-perte-de-jouissance","status":"publish","type":"post","link":"https:\/\/youset.ca\/fr\/blog\/protection-pour-perte-de-jouissance\/","title":{"rendered":"Avez-vous besoin d\u2019une protection pour perte de jouissance\u2009? Voici comment le savoir"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">\u00catre impliqu\u00e9 dans un <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/what-to-do-after-a-minor-car-accident-ontario\/\"><span style=\"font-weight: 400;\">accident de voiture<\/span><\/a> <span style=\"font-weight: 400;\"> est d\u00e9j\u00e0 assez stressant, mais se retrouver sans v\u00e9hicule pendant que le v\u00f4tre est au garage ne fait qu\u2019aggraver la situation. Selon l\u2019ampleur des dommages, les r\u00e9parations peuvent prendre plusieurs jours, voire plusieurs semaines, et vous avez toujours des d\u00e9placements \u00e0 faire. C\u2019est l\u00e0 qu\u2019entre en jeu la protection pour perte de jouissance.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Dans cet article, nous vous expliquons en quoi consiste cette protection, comment elle fonctionne, comment d\u00e9terminer si elle vous convient et quel montant de couverture pourrait \u00eatre appropri\u00e9 pour vous.&nbsp;<\/span><\/p>\n\n\n\n\t<section id=\"post-callout-block_9d09d2cdba29f8d3cba0124b886425d8\" class=\"post-block py-8\">\n\t\t\t\t<div class=\"px-6 py-8 border-l-8 border-indigo-500 rounded-l-lg md:py-11 md:px-12 bg-grayBluish-50\">\n\t\t\t\t\t\t\t<p class=\"mb-6 text-grayBluish-900 h3\">Les points cl\u00e9s<\/p>\n\t\t\t\t\t\t\t\t\t\t<div class=\"prose body-2 text-grayBluish-900\"><span style=\"font-weight: 400\">La protection pour privation de jouissance est un avenant optionnel en assurance auto. Elle couvre les frais de transport de remplacement pendant que votre v\u00e9hicule est inutilisable ou en r\u00e9paration apr\u00e8s un accident.<\/span><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t<\/section>\n\n\n\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-qu-est-ce-que-la-protection-pour-perte-de-jouissance\">Qu\u2019est-ce que la protection pour perte de jouissance\u2009?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">La protection pour perte de jouissance est un <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/avenants-d-assurance-au-canada\/\"><span style=\"font-weight: 400;\">avenant optionnel<\/span><\/a> <span style=\"font-weight: 400;\"> \u00e0 votre assurance automobile, \u00e9galement appel\u00e9 <\/span><a href=\"https:\/\/www.fsrao.ca\/fr\/fmpo-20-garantie-moyens-de-transport-de-remplacement\"><span style=\"font-weight: 400;\">FMPO&nbsp;20<\/span><\/a> <span style=\"font-weight: 400;\"> en Ontario et <\/span><a href=\"https:\/\/lautorite.qc.ca\/fileadmin\/lautorite\/formulaires\/professionnels\/assureurs\/automobile\/faq-20.pdf\"><span style=\"font-weight: 400;\">FAQ&nbsp;20<\/span><\/a> <span style=\"font-weight: 400;\"> au Qu\u00e9bec.&nbsp;<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Son objectif est de couvrir les frais li\u00e9s \u00e0 un moyen de transport de remplacement, comme une voiture de location, un taxi, un service de covoiturage ou le transport en commun, lorsque votre v\u00e9hicule est temporairement inutilisable \u00e0 la suite d\u2019un sinistre couvert, par exemple un accident. Comme il s\u2019agit d\u2019un avenant optionnel, vous devez l\u2019ajouter \u00e0 votre <\/span><a href=\"https:\/\/youset.ca\/fr\/assurance-auto\/\"><span style=\"font-weight: 400;\">police d\u2019assurance auto<\/span><\/a> <span style=\"font-weight: 400;\"> si vous souhaitez b\u00e9n\u00e9ficier de cette protection suppl\u00e9mentaire.&nbsp;<\/span> &nbsp;<\/p>\n\n\n\n\t<section id=\"post-cta-block_59f05e38f8e7a9b76b2dbc854ac2be5f\" class=\"post-block pt-8 pb-8 lg:pb-20\">\n\t\t\t\t<div class=\"lg:flex justify-between items-center gap-x-6 rounded-lg bg-indigo-600 px-8 py-7 shadow-[0_2px_10px_0_theme(colors.surface.background.disabled)]\">\n\t\t\t\t\t\t\t<h3 class=\"text-white lg:mb-0\">Comparez assureurs et achetez en 4 minutes.<\/h3>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.app.youset.ca\/start?lng=fr&#038;externalId=blog\" class=\"the-button the-button--white !text-text-primary\">Obtenez une soumission<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/section>\n\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-ce-que-couvre-la-perte-de-jouissance\">Ce que couvre la perte de jouissance<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">La protection pour perte de jouissance vous aide \u00e0 continuer vos d\u00e9placements pendant que votre v\u00e9hicule est hors d\u2019usage apr\u00e8s un sinistre couvert. Elle couvre g\u00e9n\u00e9ralement&nbsp;:&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Les frais de location d\u2019un v\u00e9hicule pendant la r\u00e9paration ou le remplacement de votre voiture<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Les co\u00fbts li\u00e9s aux taxis, covoiturages ou transports en commun<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Gardez en t\u00eate que des&nbsp;limites de couverture&nbsp;s\u2019appliquent habituellement, incluant un montant maximal par jour et une dur\u00e9e totale maximale.<\/span>\n\n<span style=\"font-weight: 400;\">Dans la plupart des cas, votre assureur mettra fin \u00e0 la protection pour perte de jouissance lorsque&nbsp;:&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Votre v\u00e9hicule a \u00e9t\u00e9 r\u00e9par\u00e9<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Vous avez atteint la limite de votre couverture<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Vous avez re\u00e7u une indemnit\u00e9 pour perte totale&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-avez-vous-besoin-d-une-protection-pour-perte-de-jouissance\">Avez-vous besoin d\u2019une protection pour perte de jouissance\u2009?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Il n\u2019est pas toujours \u00e9vident de savoir si cette protection est n\u00e9cessaire. Si vous conduisez depuis des ann\u00e9es sans accident, vous pourriez \u00eatre tent\u00e9 de ne pas ajouter cet avenant optionnel \u00e0 votre <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/comment-choisir-le-bon-type-dassurance-auto\/\"><span style=\"font-weight: 400;\">police d\u2019assurance<\/span><\/a><span style=\"font-weight: 400;\">. Pourtant, il vaut la peine d\u2019\u00e9valuer si cette protection correspond \u00e0 votre situation.<\/span>\n\n<span style=\"font-weight: 400;\">Posez-vous ces questions cl\u00e9s&nbsp;:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">\u00c0 quelle fr\u00e9quence d\u00e9pendez-vous de votre voiture\u2009? Est-elle essentielle \u00e0 votre quotidien\u2009?<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Avez-vous facilement acc\u00e8s \u00e0 un moyen de transport alternatif\u2009?<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Comment le co\u00fbt de cette protection se compare-t-il aux d\u00e9penses que vous auriez \u00e0 payer de votre poche si votre voiture \u00e9tait immobilis\u00e9e pendant une semaine ou plus\u2009?<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">\u00cates-vous \u00e0 l\u2019aise d\u2019assumer ce risque financi\u00e8rement\u2009?&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Vos r\u00e9ponses vous aideront \u00e0 d\u00e9terminer si la protection pour perte de jouissance est un ajout judicieux. Elle est particuli\u00e8rement utile pour&nbsp;:&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Les conducteurs qui utilisent leur v\u00e9hicule tous les jours pour le travail ou les d\u00e9placements<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Les personnes qui parcourent beaucoup de kilom\u00e8tres ou conduisent fr\u00e9quemment<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Les familles ou parents qui ont besoin d\u2019un transport fiable pour les enfants et les activit\u00e9s<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Les conducteurs qui n\u2019ont pas acc\u00e8s au transport en commun ou \u00e0 d\u2019autres options<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-combien-coute-la-protection-pour-perte-de-jouissance\">Combien co\u00fbte la protection pour perte de jouissance\u2009?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Le co\u00fbt varie selon la province, l\u2019assureur, votre historique de conduite, le type de v\u00e9hicule, votre lieu de r\u00e9sidence et vos ant\u00e9c\u00e9dents de r\u00e9clamations.&nbsp;<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Pour vous donner une id\u00e9e, voici deux exemples de soumissions pour une assurance auto en&nbsp;<\/span><a href=\"https:\/\/youset.ca\/en\/car-insurance\/location\/car-insurance-ontario\/\"><span style=\"font-weight: 400;\">Ontario<\/span><\/a> <span style=\"font-weight: 400;\"> et au <\/span><a href=\"https:\/\/youset.ca\/fr\/assurance-auto\/localite\/assurance-auto-quebec\/\"><span style=\"font-weight: 400;\">Qu\u00e9bec<\/span><\/a> <span style=\"font-weight: 400;\"> avec et sans cette protection&nbsp;:<\/span><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Avec protection<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Sans protection<\/strong><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><em>Ontario<\/em><\/td><td class=\"has-text-align-center\" data-align=\"center\">144 $<\/td><td class=\"has-text-align-center\" data-align=\"center\">153 $<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><em>Qu\u00e9bec<\/em><\/td><td class=\"has-text-align-center\" data-align=\"center\">99 $<\/td><td class=\"has-text-align-center\" data-align=\"center\">92 $<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Ces exemples sont fournis \u00e0 titre indicatif seulement et ne garantissent pas les prix exacts, mais ils montrent que l\u2019ajout de cette protection augmente g\u00e9n\u00e9ralement la prime de fa\u00e7on minime.&nbsp;<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Compar\u00e9 aux frais potentiels pour organiser un transport de remplacement apr\u00e8s un accident, plusieurs conducteurs pr\u00e9f\u00e8rent payer un peu plus maintenant pour \u00e9viter une facture sal\u00e9e plus tard.<\/span> <span style=\"font-weight: 400;\">Pour savoir combien co\u00fbterait cette protection dans votre cas,&nbsp;<\/span><a href=\"https:\/\/www.app.youset.ca\/start?lng=fr&amp;externalId=blog\"><span style=\"font-weight: 400;\">obtenez une soumission<\/span><\/a> <span style=\"font-weight: 400;\"> en&nbsp;moins de 4&nbsp;minutes avec YouSet. Une fois votre soumission en main, vous pourrez facilement ajouter ou retirer la protection pour perte de jouissance et voir la diff\u00e9rence de prix en temps r\u00e9el.&nbsp;<\/span> &nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-quel-est-le-montant-ideal-pour-une-protection-perte-de-jouissance\">Quel est le montant id\u00e9al pour une protection perte de jouissance\u2009?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">En g\u00e9n\u00e9ral, le montant inclus lorsque vous ajoutez cette protection \u00e0 votre police se situe entre&nbsp;1\u202f500&nbsp;$ et 2\u202f500&nbsp;$.<\/span>\n\n<span style=\"font-weight: 400;\">Cependant, ce montant peut varier selon votre assureur et votre province. Vous pourriez aussi avoir la possibilit\u00e9 de choisir des limites plus \u00e9lev\u00e9es ou une couverture bas\u00e9e sur la dur\u00e9e si le montant standard ne r\u00e9pond pas \u00e0 vos besoins.&nbsp;<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-comment-fonctionne-la-protection-pour-perte-de-jouissance\">Comment fonctionne la protection pour perte de jouissance<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Cette protection couvre vos frais de transport lorsque votre v\u00e9hicule est temporairement inutilisable \u00e0 la suite d\u2019un sinistre couvert, comme un accident.&nbsp;<\/span>\n\n<span style=\"font-weight: 400;\">Voici comment elle fonctionne g\u00e9n\u00e9ralement au Canada&nbsp;:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\"><strong>Ajoutez-la \u00e0 votre police&nbsp;:<\/strong> <\/span><span style=\"font-weight: 400;\">Il s\u2019agit d\u2019une protection optionnelle, donc vous devez l\u2019inclure<\/span><i><span style=\"font-weight: 400;\"> avant <\/span><\/i> <span style=\"font-weight: 400;\">qu\u2019un sinistre survienne. Elle ne peut pas \u00eatre ajout\u00e9e r\u00e9troactivement.<\/span><\/li>\n\n\n\n<li><strong>Ajoutez-la \u00e0 votre police&nbsp;: <\/strong> <span style=\"font-weight: 400;\">Il s\u2019agit d\u2019une protection optionnelle, donc vous devez l\u2019inclure avant qu\u2019un sinistre survienne. Elle ne peut pas \u00eatre ajout\u00e9e r\u00e9troactivement.&nbsp;<\/span><\/li>\n\n\n\n<li><strong>Avisez votre assureur&nbsp;: <\/strong> <span style=\"font-weight: 400;\">Communiquez avec lui d\u00e8s que possible pour d\u00e9clarer l\u2019incident et<\/span> <a href=\"https:\/\/youset.ca\/fr\/blog\/reclamations-dassurance-auto\/\"><span style=\"font-weight: 400;\">d\u00e9poser une r\u00e9clamation<\/span><\/a><span style=\"font-weight: 400;\">.&nbsp;<\/span><\/li>\n\n\n\n<li><strong>Fournissez les documents requis&nbsp;: <\/strong> <span style=\"font-weight: 400;\">Remplissez un formulaire de d\u00e9claration de sinistre ou tout autre document demand\u00e9.&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><strong>Analyse de la r\u00e9clamation&nbsp;:<\/strong> <\/span><span style=\"font-weight: 400;\">L\u2019assureur v\u00e9rifie votre police et confirme votre admissibilit\u00e9<\/span><i><span style=\"font-weight: 400;\">.<\/span><\/i><\/li>\n\n\n\n<li><strong>Obtenez un transport de remplacement&nbsp;: <\/strong> <span style=\"font-weight: 400;\">Vous ou votre assureur organiserez un v\u00e9hicule de location, un covoiturage ou le transport en commun<\/span><i><span style=\"font-weight: 400;\">.<\/span><\/i><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><strong>Conservez vos re\u00e7us&nbsp;:<\/strong> <\/span><span style=\"font-weight: 400;\">Gardez et soumettez toutes les preuves de d\u00e9penses li\u00e9es au transport<\/span><i><span style=\"font-weight: 400;\">.<\/span><\/i><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><strong>Recevez votre remboursement&nbsp;:<\/strong> <\/span><span style=\"font-weight: 400;\">Si vos d\u00e9penses sont approuv\u00e9es, l\u2019assureur vous rembourse jusqu\u2019\u00e0 la limite pr\u00e9vue \u00e0 votre police<\/span><i><span style=\"font-weight: 400;\">.<\/span><\/i><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><strong>Fin de la couverture&nbsp;:<\/strong> <\/span><span style=\"font-weight: 400;\">Elle prend fin lorsque votre v\u00e9hicule est r\u00e9par\u00e9 ou remplac\u00e9, ou lorsque vous atteignez la limite de couverture.&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-prochaines-etapes\">Prochaines \u00e9tapes<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">La protection pour perte de jouissance vous offre une tranquillit\u00e9 d\u2019esprit. C\u2019est un ajout simple \u00e0 votre assurance auto, mais qui peut faire toute la diff\u00e9rence en cas d\u2019accident.<\/span>\n\n<span style=\"font-weight: 400;\">Avec&nbsp;YouSet, comparez les soumissions de plusieurs assureurs en moins de 4&nbsp;minutes, profitez de rabais exclusifs et obtenez le meilleur prix ann\u00e9e apr\u00e8s ann\u00e9e. Que vous souscriviez une nouvelle police ou mettiez \u00e0 jour une police existante, YouSet vous aide \u00e0 trouver la bonne protection au meilleur tarif.&nbsp;<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00catre impliqu\u00e9 dans un accident de voiture est d\u00e9j\u00e0 assez stressant, mais se retrouver sans v\u00e9hicule pendant que le v\u00f4tre est au garage ne fait qu\u2019aggraver la situation. Selon l\u2019ampleur des dommages, les r\u00e9parations peuvent prendre plusieurs jours, voire plusieurs semaines, et vous avez toujours des d\u00e9placements \u00e0 faire. C\u2019est&#8230;<\/p>\n","protected":false},"author":20,"featured_media":11176,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[461],"tags":[],"class_list":["post-11431","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assurance-auto"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.8 (Yoast SEO v28.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Avez-vous besoin d\u2019une protection pour perte de jouissance\u2009? 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